How to buy Star Health Insurance Plan?

InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are: Online : On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting. Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan.

Why should I buy a Star Health insurance plan?

The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.

How many claims can I make in a year?

You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.

How many network hospitals are covered under Star Health?

There are more than 9,800 top-quality network hospitals covered under Star Health.

Is medical check-up required to buy a Star Health Insurance Policy?

Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years.

Star Health Insurance Plans

Established in 2006, Star Health & Allied Insurance Co. Ltd. is India's premier private Health Insurance company that stands at the forefront of safeguarding the nation's well-being. Today, the company boasts an extensive network, featuring over 14,000 network hospitals and a vast footprint of 850+ branch offices spanning the nation. Since its start, this insurance company has grown to serve a large number of clients and has been a crucial source of financial support when they face tough situations. The health insurance Star plans offer a wide range of benefits, such as covering day-care treatments, AYUSH treatments, and even the costs associated with organ donors.

Star Allied Health Insurance Plans

The top-selling Star Health Insurance plans are as follows:

1. Out Patient Care

Star Health Insurance presents a range of plans, one of which is the Outpatient Care policy. This unique product safeguards you from outpatient consultation expenses, encompassing doctor fees, diagnostic tests, pharmacy bills, physiotherapy, non-allopathic treatments, dental procedures, and therapeutic treatments. It's available in three variants: Silver, Gold, and Platinum, each offering distinct coverage benefits.

For comprehensive details, explore the table below:

Policy Type	This policy can be chosen either as an Individual or Floater plan.
Policy Term	It's available for a one-year term.
Entry Age	Individuals aged 18 to 50 can get this policy, and dependent children can be covered from the 31st day of birth up to 25 years.
Outpatient Consultation	Covers expenses for outpatient consultation at any Network Facility in India.
AYUSH Cover	Includes outpatient medical consultation and treatment costs under systems like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Diagnostics, Physiotherapy, and Pharmacy	The policy covers expenses for diagnostics, physiotherapy, and pharmacy services at Network Facilities.
Dental Treatment	Dental treatment expenses for natural teeth due to accidents are covered at any Network Facility.
Ophthalmic Cover	Covers expenses for ophthalmic treatment due to accidental injuries at any Network Facility in India
Lifelong Renewal	This policy offers lifelong renewal.
Renewal Discount	Eligible for a 25% premium discount at renewal after every two continuous claim-free years.

2. Star Women Care Insurance Policy

The Star Women Care Insurance Policy is a one-of-a-kind Star health plan designed to cater to the unique health needs of women and their families. This comprehensive policy covers a wide range of essentials, including the option to add your newly-wed spouse, newborn, or legally adopted child with a waiting period applied from the date of inclusion.

This health insurance Star plan also provides maternity benefits, covering delivery expenses for both normal and Caesarean section procedures, as well as pre-natal and post-natal care. This policy is a holistic solution, offering comprehensive coverage for women and their families during life's most precious moments and unforeseen health challenges.

Additional Details for Star Health Women Care Policy are mentioned in the table below:

Policy Type	The Star Women Care Insurance Policy is available on both an Individual and Floater basis, providing flexibility in coverage options.
Policy Term	Choose a policy term that suits your needs, with options for one, two, or three years.
Pre-Medical Examination	There is no requirement for a pre-acceptance medical screening to avail of this policy. However, pregnant women must submit their scan reports taken at Star Health specified scan centres between the 12th and 20th week of their pregnancy. The cost of these scans is the responsibility of the insured.
Entry Age	The policy offers coverage for female individuals aged between 18 and 75 years as Individual Sum Insured. To avail of the Floater Sum Insured, at least one female adult in the family must be aged between 18 and 75 years. This policy covers a maximum of up to three dependent children aged from 91 days to 25 years. The insured's daughter can continue to be covered for up to 30 years if she is unmarried and/or unemployed.
Sum Insured	Choose from a range of Sum Insured options, including Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, and Rs.1,00,00,000/-.
In-Patient hospitalisation	This policy covers hospitalisation expenses for illnesses, injuries, or accidents that require more than 24 hours of hospitalisation.
Pre-hospitalisation	In addition to in-patient hospitalisation, medical expenses incurred up to 60 days before hospital admission are covered.
Post-hospitalisation	Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.
Room Rent	Room, boarding, and nursing expenses during in-patient hospitalisation are covered, with the amount depending on the Sum Insured.
Ambulance Services	This policy covers both road and air ambulance expenses for hospital admission and medical transfers.
Modern Treatment	Expenses for modern treatments like Oral Chemotherapy, Intra Vitreal injections, and Robotic Surgeries are covered up to specified limits.
AYUSH Treatment	In-patient hospitalisation expenses for Ayurveda, Unani, Siddha, and Homeopathy treatments in AYUSH hospitals are covered.
Day Care Procedures	Medical treatments and surgical procedures requiring less than 24 hours of hospitalisation due to technological advancements are covered.
Miscarriage due to Accident	Lump sum coverage is provided for miscarriages due to accidents, subject to a waiting period.
Preventive Health Check-Up	Health check-up expenses for specified tests are covered each policy year, up to specified limits.
Automatic Restoration of Sum Insured	On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured is restored once in the same policy year for all claims and subsequent hospitalisations.
Cumulative Bonus	A cumulative bonus is provided at 20% of the Sum Insured for each claim-free year, up to a maximum of 100% of the Sum Insured.
Long-Term Discount	A discount of 10% on the 2nd-year premium and 11.25% on the 2nd and 3rd-year premium is available.
Instalment Options	Premiums can be paid on a quarterly, half-yearly, annual, biennial (once in 2 years), or triennial (once in 3 years) basis.

3. Assure Insurance Policy

The Star Health Assure Insurance Policy is one of the helpful Star health insurance plans for the family. You can choose to buy this plan for one, two, or three years, and the best part is that you can renew it for your whole life. You can pay the premium in smaller installments, like every three or six months. If you ever need to be transported by air ambulance or receive treatment at home, this policy has you covered. It even includes treatments like AYUSH.

Plus, it takes care of your medical expenses before and after your hospital stay, and it also covers situations when you can't stay in the hospital and need treatment at home. It's a policy that looks out for your health in many different ways.

Star Health Assured Insurance Policy Highlights are mentioned in the table below:

Policy Type	Available for individuals or families, with up to three dependent children.
Entry Age	Individuals aged 91 days to 75 years can apply, while family coverage is for those aged 18 to 75, with children aged 16 days to 17 years.
In-Patient hospitalisation	Covers hospital expenses for stays over 24 hours due to illness or injury.
Pre-hospitalisation	Includes medical costs 60 days before hospital admission.
Post-hospitalisation	Covers expenses up to 180 days after hospital discharge.
Day Care Procedures	Covers short hospital stays for advanced medical treatments.
Modern Treatment	Includes expenses for innovative treatments.
Organ Donor Expenses	Covers expenses for organ transplantation and donor complications.
AYUSH Treatment	Includes Ayurveda, Unani, Siddha, and Homeopathy treatments.
Compassionate Travel	Pays for family member travel during life-threatening emergencies.
Cumulative Bonus	Provides a bonus for claim-free years.
Co-Payment	Applies to insured persons aged 61 or older.
Health Check-Up Assure	Covers health check-up expenses.
Second Medical Opinion	Provides a second medical opinion. Instalment Options: Allows various premium payment frequencies except for long-term policies.

4. Arogya Sanjivini Policy

Star Health and Allied Insurance Co Ltd offers the Arogya Sanjeevani Policy, a standard plan designed to provide financial protection during medical emergencies for you and your family. You can pay the premium every quarter, half-year, or year. This policy covers individuals aged 18 to 65 and their dependent children.

You can insure yourself, your spouse, dependent children, parents, and parents-in-law with a sum insured ranging from Rs. 1 Lakh to Rs. 5 Lakh. It's a simple yet beneficial policy, including coverage for hospital medicines, road ambulance service, cataract surgery, dental and AYUSH treatment, and modern medical procedures. Plus, you can enjoy tax benefits under Section 80D of the Income Tax Act.

Star Health Arogya Sanjivini Policy details are mentioned in the table below:

Policy Term	Available for one year.
Pre-Medical Examination	Mandatory for those aged 50 and above at the company's nominated centres.
Sum Insured	Options from Rs. 50,000/- to Rs. 10,00,000/- (in multiples of Rs. 50,000/-).
In-Patient Hospitalisation	Covers expenses for hospitalisation exceeding 24 hours due to illness, injury, or accidents.
Pre-Hospitalisation	Also covers medical expenses up to 30 days before hospital admission.
Post-Hospitalisation	Includes medical expenses up to 60 days after discharge.
Room Rent	Covers room, boarding, and nursing expenses, up to 2% of the Sum Insured, max Rs. 5,000/- per day.
ICU Charges	ICU charges covered up to 5% of the Sum Insured, max Rs. 10,000/- per day.
Day Care Procedures	Covers treatments requiring less than 24 hours of hospitalisation due to technological advancements.
AYUSH Treatment	Expenses for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments covered.
Lifelong Renewal	Provides an option for lifelong renewal.
Cumulative Bonus	Provides a 5% bonus of the Sum Insured for each claim-free year, up to a maximum of 50% of the Sum Insured.
Co-payment	Each claim is subject to a 5% co-payment on the claim amount.
Instalment Options	Premium payment options include quarterly, half-yearly, and annual.

5. Diabetes Safe

The Diabetes Safe Insurance Policy from Star Health Insurance is specially designed for people with diabetes, whether it's Type 1 or Type 2. This policy is here to help with the costs of diabetes and its complications that may require hospitalisation.

You can get this health insurance Star plan for yourself or as a floater plan. There are two options: Plan A and Plan B. With Plan A, you'll need a medical screening before getting coverage, but it starts right away, so there's no waiting time for diabetes or related issues. Plan B doesn't require a screening, but there is a 12-month waiting period from the start of the plan.

Star Health Diabetes Safe Health Insurance Plan details are mentioned in the table below:

Age Entry	Individuals with Diabetes Mellitus aged 18 to 65.
Coverage Options	Available for individuals and as a floater plan for the policyholder and their spouse.
Plan Flexibility	No plan switching during the policy term.
Medical Screening	Plan A requires medical screening and offers immediate coverage, while Plan B doesn't need screening but covers from the 15th month. The company covers 100% of screening costs if the policy is accepted, but 50% if it's rejected.
Sum Insured	Options of Rs. 3 lakh, 4 lakh, 5 lakh, and 10 lakh.
Advantages	Coverage for pre-hospitalisation and post-hospitalisation expenses Post-renal transplant complications Second transplant Automatic restoration of sum insured (Floater) Artificial limb costs Numerous day care procedures Hassle-free claim settlement Extensive hospital network 24/7 medical consultation Electronic personal health records 15-day free look period for policy review.
Tax Benefits	Eligible for a rebate under Section 80-D of the Income Tax Act 1961 when paid through non-cash modes.
Exclusions	Excludes costs of immune-suppressive drugs Type II Diabetes Mellitus Diabetic Retinopathy, Diabetic Nephropathy leading to Chronic Renal failure, and Diabetic foot ulcer

6. Super Surplus

The Star Health Super Surplus Insurance Policy is a top-up insurance plan that offers a higher sum insured at an affordable premium. One of its standout features is that it covers pre-existing diseases after a waiting period of 36 months, providing comprehensive health protection.

What's even more convenient is that you don't need to undergo a pre-acceptance medical test before purchasing the policy. You have the flexibility to choose between individual and family floater options, making it suitable for various family sizes and needs. This, one of the best Star Health insurance plans for family, further offers two distinct variants, namely Silver and Gold, allowing you to select the one that aligns best with your requirements.

Star Health Super Surplus Insurance Policy details are mentioned in the table below:

Entry Age	Minimum age is 18 years, maximum age is 65 years. Children can be covered from 91 days to 25 years along with parents.
Maximum Policy Renewal Age	Lifelong renewal
Policy Term	1 year
Type of Plan	Individual and Floater.
Sum Insured	Minimum - Rs. 7 lakh for individuals and Rs. 10 lakh for the family floater plan (over and above the deductible). Maximum - Rs. 10 lakh for individual and family floater health insurance plans (over and above the deductible).
Cover	In-patient hospitalisation, cashless facility, room rent, doctor fees, reimbursement, and drug and medicine expenses.
Key Features	It's a top-up policy for added protection against high claims. Can be purchased online. Offers cashless hospitalisation, direct in-house claim settlement, and hassle-free claim settlement.
Benefits	Pre-existing diseases covered after 36 months of continuous insurance No pre-policy medical check-up required Deductible applies for each hospitalisation Eligible for tax benefits under section 80D of the Income Tax Act.
Exclusions	No claim period for the first 30 days Deductible of Rs. 3 lahks for Individual cover and Rs. 3 lakh/5 lakh for Family Floater Excludes cosmetic procedures Naturopathy Non-allopathic treatment No immediate cover for pre-existing diseases
Free Look Period	15 days from the date of policy receipt for reviewing and seeking cancellation with a refund of premium, after adjusting expenses incurred at the time of availing the policy.

Note: These details might change depending on the plan variant.

7. Young Star

The Young Star Insurance Policy is one of the best Star insurance plans that is specially designed for young people and families. It comes in two versions, gold, and silver, to suit your needs. With this plan, you don't have to worry about health check-up expenses because they are covered. Plus, if you use up your insurance, it can automatically be restored up to 100%. Also, you can get tax benefits under Section 80D of the Income Tax Act. And the best part is, you can cover up to five family members under the family floater Young Star Health Insurance Plan. It's a great way to take care of your health and your loved ones.

Star Health Young Star Insurance Policy details are mentioned in the table below:

In-Patient hospitalisation	Covers expenses for hospital stays exceeding 24 hours due to illness, injury, or accidents.
Pre-hospitalisation	Includes medical costs incurred up to 60 days before hospital admission.
Post-hospitalisation	Covers medical expenses up to 90 days after hospital discharge.
Room Rent	Covers single private A/C room, boarding, and nursing expenses during hospitalisation.
Day Care Procedures	Covers short hospital stays for advanced medical treatments.
Modern Treatment	Includes expenses for innovative treatments up to policy limits.
Additional Sum Insured for Road Traffic Accidents (RTA)	Increases coverage by 25% up to Rs. 10,00,000 for RTA hospitalisation.
Automatic Restoration of Basic Sum Insured	Restores 100% of the sum insured once during the policy period.
Cumulative Bonus	Offers a bonus of 20% of the sum insured for each claim-free year, up to a maximum of 100%.
Online Discount	Provides a 5% premium discount for online policy purchases.
Special Discount	Grants a 10% premium discount for policy purchase before 36 years and renewal after 40 years.
E-Medical Opinion	Offers an expert medical opinion on request.
Health Check-Up	Covers health check-up expenses at Network Hospitals.
Lifelong Renewal	Provides an option for lifelong policy renewal.

8. Family Health Optima

The Family Health Optima Insurance Plan is like a safety net for your family's health. It helps you during tough times when you need medical care. With this plan, you can protect yourself and your family all in one go. Plus, there's a free health check to keep an eye on your well-being.

Moreover, if you run out of coverage during the year, don't worry, you can renew it up to three times. And as a bonus, you can get discounts and rewards for staying healthy through the wellness program. It's a complete package for your family's health and peace of mind.

Star Health Family Health Optima Insurance Policy details are mentioned in the table below:

Policy Type	This policy is available only as a family floater plan.
Entry Age	Anyone between 18 and 65 years old can get this policy. Dependent children can be covered from the 16th day of birth up to 25 years.
Family Size	It covers a wide range of family members, including yourself, your spouse, up to three dependent children, parents, and parents-in-law
In-Patient hospitalisation	It covers expenses when you need to stay in the hospital for more than 24 hours due to illness, injury, or accidents.
Pre-hospitalisation	It also includes medical expenses up to 60 days before you get admitted to the hospital.
Post-hospitalisation	After you leave the hospital, it covers medical expenses for up to 90 days.
Restoration of Sum Insured	If you run out of coverage, it can be restored up to three times in the same year.
Cumulative Bonus	You can get a bonus on your coverage amount if you have a Sum Insured of Rs. 3,00,000/- or more. It starts at 25% in the second year and can go up to 100%.
Additional Sum Insured for Road Traffic Accident	If you have a road accident and need hospitalisation, your coverage can increase by 25%, up to Rs. 5,00,000/-.
Assisted Reproduction Treatment	Covers medical expenses for sub-fertility treatments with a waiting period.
Hospitalisation Expenses for Treatment of New Born Baby	Coverage begins on the 16th day after birth, up to a limit of 10% of the Sum Insured.
AYUSH Treatment	Covers expenses for treatments in Ayurveda, Unani, Siddha, and Homeopathy systems of medicine in AYUSH hospitals.
Compassionate Travel	Pays for a family member to travel in emergencies when you're hospitalized far from home.
Modern Treatment	Covers modern treatment expenses.
Recharge Benefit	Available up to specified limits.
Organ Donor Expenses	Covers expenses for organ transplantation, up to a limit of 10% of the Sum Insured.
Repatriation of Mortal Remains	Covers expenses for bringing back the remains of the insured person.
Cataract Treatment	Covers expenses for cataract treatment up to specified limits.
Treatment in Valuable Service Providers	Pays a lump-sum amount if you get treatment in a hospital suggested by the company.
Health Check-Up	Covers health check-up expenses at Network Hospitals for each claim-free year.
Co-Payment	For insured persons aged 61 and above, there's a 20% co-payment.
Instalment Options	You can pay the premium quarterly, half-yearly, annually, or biennially (once in 2 years).

9. Star Health Medi Classic Policy

This Star Health plan eases the burden of medical expenses for you and your family. It covers hospitalisation costs for sickness, injuries, and diseases, including those from accidents. Anyone in India from 5 months to 65 years can get this policy.

The policy comes with a bunch of perks like hospital coverage, non-allopathic treatments, emergency ambulance service, fees for medical professionals, pre-existing conditions, and pre/post-hospitalisation expenses. It's your safety net for a healthier life.

Star Health Medi Classic Insurance Policy details are mentioned in the table below:

Entry Age	Min: 5 months Max: 65 years
Policy Term	One year
Pre-Existing Disease	Covered after 48 months of continuous coverage
Sum Insured	Up to Rs 2,00,000/-Rs 3,00,000/- – Rs 5,00,000/- Above Rs 5,00,000/-
Pre-Acceptance Medical Screening	Policyholders aged 50 and above must undergo a pre-acceptance medical screening at centres designated by the company. The company will cover the cost.
hospitalisation	Expenses are covered for 30 days prior to the date of admission
Post-hospitalisation	Expenses incurred up to 60 days after the discharge from the hospital
Share Claim Payments	10% of each and every claim amount for insured persons beyond 60 years
Restoration of Cover	Automatic restoration of 200% sum insured under this policy
Day-Care Treatment	Specified daycare treatments are covered under this policy
Non-Allopathic Treatment Coverage	Covered up to 25% of the sum insured, subject to a max of Rs 25,000/- per policy period.
Emergency Ambulance	Emergency Ambulance charges are covered up to the sum insured of Rs 750/- per hospitalisation and the overall limit of Rs 1500/- per policy period.
Health Check-up	Up to 1% of the average sum insured after every 4 claim-free years subject to a maximum Rs 5,000/-

10. Senior Citizens Red Carpet

Star Senior Citizens Red Carpet plan is a tailor-made Star healthcare insurance plan for individuals aged 60 and above. This plan is specifically crafted to meet the unique healthcare requirements of our beloved senior citizens. It's the perfect way to ensure the well-being of your parents and other elderly family members.

This senior citizen health insurance policy is available both for individuals and as a family floater plan, making it flexible for your needs. What's great about Star's Senior Citizens Red Carpet Health Insurance is that it offers several benefits. There's no need for a pre-medical screening test, which simplifies the application process. It's a comprehensive health plan designed to give our seniors the care and support they deserve.

Star Health Insurance for Senior Citizens details are mentioned in the table below:

Policy Term Options	You can choose a policy term of one, two, or three years.
Sum Insured Choices	You have a range of Sum Insured options to select from, including Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/-, Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/-, and Rs. 25,00,000/-. The Sum Insured options from Rs. 10,00,000/- to Rs. 25,00,000/- are available on a family-floater basis.
In-Patient hospitalisation	This policy covers hospitalisation expenses when you need to stay in the hospital for more than 24 hours due to illness, injury, or accident.
Pre-hospitalisation	In addition to in-patient hospitalisation, it also covers medical expenses up to 30 days before your hospital admission.
Post-hospitalisation	Post-hospitalisation medical expenses are covered up to 7% of the hospitalisation expenses within the policy limits.
Room Rent	Room, boarding, and nursing expenses during in-patient hospitalisation are covered, up to Rs. 10,000/- for the maximum Sum Insured chosen.
ICU Charges	Up to 2% of the Sum Insured is payable as ICU charges for Sum Insured up to Rs. 10 lakhs, and for Sum Insured of Rs. 15 lakhs to Rs. 25 lakhs, ICU charges are covered up to the actuals.
Road Ambulance	It includes ambulance charges for private ambulance service to transport the insured person to the hospital.
Day Care Procedures	Covers medical treatments and surgeries that require less than 24 hours of hospitalisation due to advanced technology.
Cataract Treatment	Cataract treatment expenses are covered after a waiting period of 24 months, up to the Star health insurance policy details limits.
Co-payment	A co-payment of 30% is applicable for all claims.
Health Check-Up	For every claim-free year, you're entitled to an annual health check-up at network hospitals, covered up to specified limits.
Premium Payment Options	You can pay the policy premium quarterly, half-yearly, annually, once every two years, or once every three years.

11. Star Comprehensive

The Star Comprehensive Health Insurance policy is your safety net when medical costs skyrocket. It's a family health insurance plan with no hidden limits or caps. With this Star healthcare insurance plan, everyone in your family can be covered, from 3 months to 65 years, and even kids can be included for up to 25 years. You can keep renewing it for life.

This plan eases your healthcare concerns. It's available for individuals and families and covers a wide range of expenses like bariatric surgery, second opinions, maternity (normal and cesarean), newborns, and quick-day procedures.

Star Comprehensive Insurance Policy details are mentioned in the table below:

Policy Type	This policy can be availed either on an Individual or Floater basis.
Entry Age	Any person aged between 18 and 65 years can avail of this policy. Dependent children are covered from the 91st day onwards up to 25 years.
In-Patient Hospitalisation	Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury, or accidents are covered.
Pre-Hospitalisation	Pre-hospitalisation medical expenses incurred up to 60 days before the date of admission to the hospital are covered.
Post-Hospitalisation	Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.
Room Rent	There is no capping on room rent (Private Single A/C room), Boarding, and Nursing expenses under this policy.
Road Ambulance	The policy covers ambulance charges for admission to the hospital, shifting from one hospital to another hospital for better facilities, and from hospital to the residence.
Air Ambulance	Air ambulance expenses are also covered up to Rs. 2,50,000/- per hospitalisation, to the maximum of Rs. 5,00,000/- per policy period.
Mid-Term Inclusion	The newly married spouse and newborn baby can be included in the policy by paying an additional premium.
Day Care Procedures	Surgical procedures and Medical treatments that require less than 24 hours of hospitalisation due to technological advancements are covered.
Modern Treatment	Modern treatment expenses are payable to the extent of the limits mentioned in the policy clause.
Hospital Cash	A cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause for a maximum of 7 days per hospitalisation and 120 days per policy period.
Delivery Expenses	Delivery expenses including the Caesarean section are covered up to the specified limits subject to the maximum of two deliveries.
New Born Cover	The hospitalisation expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.
Vaccination Expenses	Vaccination expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.
Automatic Restoration of Sum Insured	Upon exhaustion of the basic Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the policy period.
Co-payment	This policy is subjected to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.
AYUSH Treatment	Expenses incurred for the treatment under Ayurveda, Unani, Sidha, and Homeopathy systems of medicines in AYUSH Hospitals are covered up to the specified limits.
Organ Donor Expenses	In-Patient hospitalisation expenses incurred for organ transplantation from the donor to the recipient insured person are payable provided the claim for transplantation is payable.
Health Check-Up	Health check-up expenses incurred at Network Hospitals are covered up to the specified limits for every claim-free year.
Instalment Options	The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial, and triennial basis.

Reasons to Get a Star Health Insurance Plans

Below are a few of the many reasons to opt for Star healthcare insurance plans:

Financial Security with Family Health Insurance Plans

Star Health Insurance plans especially family health insurance, offer you a financial cushion during challenging times. This means you can safeguard your family's well-being without worrying about the financial burden.

Cashless Treatments at Network Hospitals

Star Allied Health Insurance has established a vast network of over 14,000 hospitals. These network hospitals collaborate with the insurers to provide policyholders with cashless treatments. This feature ensures that you can receive necessary medical care without upfront payments, reducing stress about medical expenses.

Coverage for Pre-Existing Conditions

Pre-existing conditions, which are health issues you had before obtaining your health insurance policy, are often covered under the Star health insurance policy details. Some of these policies offer shorter waiting periods for pre-existing conditions, which means you can access coverage for these conditions sooner.

Coping with Rising Medical Costs

As the cost of healthcare services continues to surge, relying only on personal savings to meet these expenses may not be sustainable. Star Health health insurance plans provide you with peace of mind, knowing that it can help you handle the increasing medical costs. This ensures that you receive the best care without financial worries.

Annual Health Checkups for Preventive Care

Prevention is key to maintaining good health. Star Health Insurance plans frequently incorporate annual health checkups as part of their offerings. Regular health checkups can detect potential health issues at an early stage, allowing for prompt intervention and preventing more serious health problems in the future.

Tax Benefits under Section 80D

Beyond protecting your health, Star insurance plans also offer valuable tax advantages. According to Section 80D of the Income Tax Act, you can claim tax exemptions on the premiums you pay for your health insurance plans. This not only secures your health but also eases the burden on your finances during tax season.

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Family Health Optima
Cover
3 Lakh
Cashless Hospital
9625
Starting From ₹ 1,067/month*
Comprehensive Individual
Cover
5 Lakh
Cashless Hospital
9625
Starting From ₹ 655/month*
Comprehensive Floater
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5 Lakh
Cashless Hospital
9625
Starting From ₹ 973/month*

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Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Star Health Insurance Top Up List

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Name of Plan	Sum Insured
Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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FAQs

How to buy Star Health Insurance Plan?
InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are:

Online: On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting.

Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan.
Why should I buy a Star Health insurance plan?
The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.
How many claims can I make in a year?
You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.
How many network hospitals are covered under Star Health?
There are more than 9,800 top-quality network hospitals covered under Star Health.
Is medical check-up required to buy a Star Health Insurance Policy?
Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years.

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4.6

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Critical Illness

Coverage For Many Expenses
The Star Health Insurance Plan has given me coverage for many healthcare expenses. I am happy to recommend InsuranceDekho too for its great customer care services. This health Insurance policy along with InsuranceDekho’s support has made my life simpler. I couldn’t have asked for a better solution Thank You!
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M
Star
By Manish Kumar
On: Apr 02, 2024
Easy Steps to Follow
I recently bought the Star Health Insurance Plan at InsuranceDekho by following a few easy steps. The Star health insurance policy covers me for medical expenses and I am satisfied with it. I was able to buy the health policy within 5 minutes at the InsuranceDekho portal.
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T
Star
By Tanya Sharma
On: Mar 21, 2024
Purchased the plan with ease
I recently bought the Star Health Insurance Plan from the InsuranceDekho website. I could purchase it easily from InsuranceDekho’s website with the proper guidance of their customer support team. I am very happy and satisfied with the plan.
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L
Star
By Lovekesh Raghav
On: Mar 19, 2024
Customer-Centric Excellence
InsuranceDekho's customer care approach is evident in their outstanding service. They are always available to answer any query and provide assistance for my Star Health Insurance Plan, making the health insurance process smooth. Thanks
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R
Star
By Ritika Kumari
On: Mar 14, 2024
Pre-Existing Condition Coverag...
InsuranceDekho's Star Health Insurance Plan provides coverage for pre-existing medical conditions after a waiting period. This feature is important for anyone with existing health concerns. Thank you InsuranceDekho for helping me buy this health insurance plan.
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P
Star
By Prashant Saini
On: Mar 13, 2024